Features

RateGenius provides refinancing products for cars at the end of a lease, existing auto loans and financing for new and used cars from a dealer. RateGenius relies on a network of partner lenders that are all FDIC-insured and that offer loans with no interest prepayment penalties. Customers can apply online and receive approval within as little as twenty-four hours. The website offers an auto loan calculator and refinancing savings examples. Customer service is available online or by phone.

  • Loan Amount
    $10000 - $70000
  • Min APR
    5.15%
  • Lease Purchase
  • New Loan
  • Refinance
  • Institution Type
    Credit Union Other
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0 votes

i did save money on my car insurance and refinancing my car....the process was quick and easy.... representatives return your calls and messages quickly UNTIL the loan is funded after that you have to continously call/message to get a response.... also i referred my dad and his loan was funded jan 20, damn near a month ago and still NO REFERRAL CHECK...... they should continue to return messages AFTER loan has been funded in a timely fashion and shouldnt take a month to get a damn referral check....


0 votes

I hadnt even thought about refinancing my car when a friend brought up Rate Genius. I gave them a shot and they actually saved me some money! Im now paying almost a hundred dollars less monthly and am saving a bunch over the entire loan. I didnt know I wanted to refinance, but Im happy I did. Now, I would recommend them to others.


0 votes

I am in the process of refinancing a second vehicle through Rate Genius. I was so happy with my first experience that they were the obvious choice when I wanted to do it again. So far, it seems that I am going to get a great interest rate for the second time. Awesome service.


0 votes

Applying to RateGenius caused inquires on my credit, which I am not too pleased about. I am very cautious since rebuilding my credit score, only to have this happen. I have had a loan through them for a year now and it has been going okay. I don't have any complaints, but also no great-customer-service stories to tell.


0 votes

Rate Genius was able to lower my monthly payments and get me a better interest rate, which is exactly what I wanted. But I feel like they are a little untruthful at times. I mean, I was told that my payments would be due on this date, but they are actually due on another. I also speak with different people each time I call, not just my loan officer. I'm not sure how I feel. I wish we were all more on the same page…


0 votes

I am extremely confused about my loan with Rate Genius. I get that they work with other lenders to find you the best loan, but I keep getting charged these fees and no one seems to really know why. I was charged money to open an account with my lender (reasonable) but then was charged a fee to “keep” the account open (what?). I'm so confused!


0 votes

It is frustrating trying to get a car when you are a part-time stay and home mom and a part-time retail clerk making no money, and your husband ruined his credit years ago. We got a terrible interest rate and needed to refinance right away. Rate Genius managed to get our interest rate down to 5% from almost 20%. Couldn't be happier! So satisfied with their services.


0 votes

RG is such a great option if you need to refinance! So far, we have done it with my car and my wives car. They always make us feel so comfortable and are so professional. They make it so easy to do. We have already recommended RG to friends and family and will continue to do so!


0 votes

I was young and inexperienced when I got my first used car. I took on high payments and a high interest rate. After two years and working hard to build good credit, I refinanced through Rate Genius. So simple! It is probably the smartest thing I have done in a long time!


0 votes

The team at Rate Genius are an amazing group of individuals. They took the time to understand my situation and WHY I needed to refinance. They have the best customer service and are so personable. My boyfriend is looking to refinance his car and we will definitely go back to Rate Genius. I love them.


0 votes

Rate Genius is a good company to work with. My loan agent was local, so it was easier for me to stop by her office on the way home from work. She was very informative and led me with serious transparency. I am glad that she was so honest with me. I got a really good rate on a loan, which led me to get a nice new car. Very satisfied with them.


0 votes

I got a car loan through Rate genius and they signed me up for insurance that I did not want! I was so angry when I found out but my loan officer insisted I signed off on getting the insurance. Who reads the fine print when they have to make 18 signatures??


0 votes

I was not familiar with how refinancing a car worked, but knew I needed to cut back on my bills. They held my hand every step of the way and made sure I got the best rate possible. They are a very caring group of people and I am so happy I stumbled upon them in my google search!


0 votes

I really appreciate RateGenius because they were able to refinance my car loan at 1/3 of the original percentage. I'm saving a bunch monthly which really helps with other bills. I also think their referral program is awesome. I've never seen a similar program with other lenders I've used in the past.


0 votes

I tried to refinance my car, but was met with used car salesmen like tactics with another lending company. Apprehensive and tired of fighting, I have RG a shot. They honestly were the nicest team of people. There was NO pressure or overselling. They give you what to want and that's that. Really appreciated.


0 votes

RG is a great option for those who have been turned down by other lenders. We needed to refinance, and after a full year of making every payment on time, we were turned down by two other companies. RG lowered our monthly payments a ton! They are a good option if you can't get financing anywhere else!


0 votes

I hadn't even thought about refinancing my car when a friend brought up Rate Genius. I gave them a shot and they actually saved me some money! I'm now paying almost a hundred dollars less monthly and am saving a bunch over the entire loan. I didn't know I wanted to refinance, but I'm happy I did. Now, I would recommend them to others.


0 votes

Their referral program is awesome! I had such a great experience with Rate Genius refinancing my car that I began referring family members. Rate Genius compensates you for every person you refer who uses them. What could be more awesome than that?? So far, a few people have signed on. I'm excited to share Rate Genius with everyone!


0 votes

I'm not sure if this mess up was on my part, because I didn't read the fine print. While refinancing, RG bought an expensive warranty for my vehicle. Turns out, the warranty wasn't all it was cracked up to be. I should have read the fine print, but they should have made the terms of the warranty more clear. It is definitely not worth the price I paid for it.


0 votes

I honestly can't believe that Rate Genius chopped my monthly bill by $160! That is a pretty big chunk, considering it can now be used for something else, such as groceries. The entire application and process was painless, which is the icing on the cake. If you need to lower your payments, go to Rate Genius. They can help!


0 votes

I used Rate Genius for a second car loan after I had completely paid off the first. I told them that the rate wasn't what I wanted, and they worked hard to get me something lower. The fact that they actually cared enough to try to lower the interest was amazing. I thought they were good the first time around, but this time, even better.


0 votes

I was shopping around to refinance my car and actually was referred to Rate Genius by another lending website. I applied and they contacted me right away. I got my loan refinanced in about a week, taking my apr from about 12% to 3%. Considering this is my first car loan, that is great! I'm happy with them and would refer anyone to Rate Genius.


0 votes

The staff at Rate Genius has excellent customer service. All of my questions were addressed same day and they were always polite about it. The entire process took only about a week. So happy that they make it easy on you. I'd definitely recommend them. I refinanced and am happier than ever with my current financial situation.


0 votes

I'm very satisfied with my RateGenius experience. I was approved for a car loan the next day and got the actual loan within a week. My apr is decent compared to others I have spoken with. It was all done online through email so it couldn't have been easier. I'd highly recommend them- they worked for me.


0 votes

I think it's amazing how much RateGenius has saved me over the life of my loan. I'm not quite sure how they managed to do this, but I'm saving quite a bit. They refinanced and lowered my monthly payments while keeping the length of my loan the same. Great experience with an excellent company.


0 votes

I don't think having RateGenius inquiry on your credit can really be a complaint. They are LENDING COMPANY, they HAVE to run your credit and see how you fair. Anyway, my experience with them has been great. They are always incredibly fast and reliable. Their team is helpful and always available. Highly recommended by a three time customer.


0 votes

Rate Genius was the only company to give me a call regarding their services, as opposed to other companies that just emailed me. Call me a sucker, but that really drew me in. I'm happy I answered the phone because I have since refinanced two vehicles with them and am saving around $200 a month.


0 votes

RateGenius refinanced my loan, but took a lot longer than I had expected. First, I had to send them all my documents twice (not sure why, but they requested them twice). I had to send them multiple things by mail. In the end, it took about a full week for me to actually get refinanced with them. I didn't think it would take a full week, but I guess with them, it does.


0 votes

I was kind of pushed into using RateGenius from an online lending referral site. The process itself was okay, but they didn't even care to contact me afterward. No calls, no emails, no customer survey. They obviously just want to do basic business with you and put you on your way. I guess I'm old fashioned but I'd like some sort of customer appreciation.


0 votes

You can always tell when a company cares about their customers. Rate Genius is one of the best lenders I have worked with in a long time. I refinanced and the process was as easy as can be. They email shot me a follow up email, ensuring that I was happy with their services and customer service. That kind of care for customers really shines through!


0 votes

My husband and I needed a second car when I started working again, but because I didn't make much and his credit was bad, we got a HUGE interest rate. Skip ahead a year when our finances are better, we refinance through RateGenius. They have saved us thousands by getting us a new interest rate. We are so pleased!


0 votes

I just can't believe how QUICK RateGenius was getting my car loan refinanced. In the past, it has taken me about a week to refinance. This time, they overnighted all the paperwork and I sent it right back. It was done within days, not weeks. They work quickly and with a great attitude. I would highly recommend them.


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